JLEHMANN@allstate.com
(262) 226-2555
New Berlin, WI
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Home Insurance

Protect Your Home With Coverage Built Around Your Life

homeowners insurance
Your home is one of your most important investments. The right homeowners insurance can help protect your house, your belongings, and your family’s financial security when the unexpected happens.

At Lehmann Insurance Agency, we help homeowners across New Berlin and Southeastern Wisconsin choose coverage that fits their home, lifestyle, and risk. Whether you’re buying your first home, reviewing an older policy, or looking to bundle home and auto insurance, our team will walk you through your options clearly so you can make a confident decision.

Home insurance can help protect against covered losses like fire, theft, wind, hail, and more — but every policy is different. That’s why we take the time to explain what’s included, what may be excluded, and where additional protection may make sense. Allstate notes that homeowners insurance can help protect the dwelling, personal property, liability, and additional living expenses after a covered loss.

Understanding Your Home Insurance Coverage Options

A homeowners policy is made up of several important protections. Here’s a simple breakdown of what may be included:

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Dwelling Coverage

Dwelling coverage helps protect the physical structure of your home if it’s damaged by a covered loss, such as fire, wind, hail, smoke, or certain types of water damage.
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Other Structures Coverage

This coverage may help protect structures on your property that are not attached to your home, such as a detached garage, fence, shed, or similar structure.
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Personal Property Coverage

Personal property coverage helps protect the belongings inside and around your home, including items like furniture, clothing, electronics, and other personal possessions.
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Liability Coverage

Liability coverage can help protect you financially if someone is injured on your property or if you accidentally cause damage to someone else’s property.
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Additional Living Expenses

If a covered loss makes your home temporarily unlivable, this coverage may help with certain extra costs while your home is being repaired.
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Optional Coverages

Depending on your needs, you may want to consider additional protection for risks like water backup, flood, personal umbrella liability, or other coverage enhancements. Flood and water backup are commonly excluded from standard homeowners policies, so these are important conversations to have before a loss happens.
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FAQ

Home Insurance Questions We Hear Often

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What does homeowners insurance typically cover?
A standard policy usually includes:

Dwelling coverage (the home itself)

Personal property

Liability protection

Additional living expenses

Other structures (garages, sheds)

Does homeowners insurance cover flooding?
No — flood damage is generally not covered under a standard homeowners policy.

Wisconsin homeowners may need separate flood insurance through:

FEMA’s National Flood Insurance Program (NFIP)

Private flood insurers

This is especially important near rivers, lakes, and low-lying areas.

Does home insurance cover sewer backup?
Not automatically.

Many Wisconsin homeowners add:

Sewer backup coverage

Water backup endorsements

These can help cover damage from sump pump failures or backed-up drains.

Are ice dams covered by insurance?
Sometimes.

Damage caused by sudden water intrusion from ice dams may be covered, but insurers often expect homeowners to properly maintain roofs and gutters.

Ice dams are a common Wisconsin winter concern.

Does homeowners insurance cover roof damage?
Often yes, if caused by a covered peril like:

Wind

Hail

Fallen trees

Normal wear and tear or aging roofs are not covered.

How much homeowners insurance do I need?
You should have enough dwelling coverage to rebuild your home at current construction costs — not necessarily market value.

Reconstruction costs in Wisconsin can vary based on:

Labor costs

Materials

Rural vs. urban location

What is a deductible?
A deductible is the amount you pay out of pocket before insurance pays.

Common deductibles:

$1500

$2500

Percentage wind/hail deductibles in some areas

Higher deductibles usually lower premiums.

Does homeowners insurance cover mold?
Sometimes, but usually only if the mold results from a covered loss, such as:

A burst pipe

Long-term moisture issues or poor maintenance are often excluded.

Is hail damage common in Wisconsin?
Yes.

Hail and wind claims are among the more common property claims in Wisconsin, especially during spring and summer storms.

Who We Help

first time homeowners

Home Insurance for Wisconsin Homeowners at Every Stage

We work with homeowners throughout New Berlin, Waukesha County, and Southeastern Wisconsin, including:

  • First-time homebuyers
  • Families bundling home and auto insurance
  • Homeowners whose policies haven’t been reviewed in years
  • Empty nesters reviewing coverage after life changes
  • Condo owners, landlords, and owners of seasonal or secondary properties
  • Clients who want personal guidance instead of an online-only experience

If you want to better understand your coverage and make sure your home is properly protected, we’re here to help.

Why Choose The Lehmann Insurance Agency

Local Guidance for One of Your Biggest Investments

When you work with Lehmann Insurance Agency, you get more than a quote. You get a local team that takes time to understand your situation and help you choose coverage that fits your needs.

We’re based in New Berlin and serve homeowners throughout Southeastern Wisconsin. Our team can help you review your current policy, compare options, understand discounts, and feel more confident about the protection you have in place.

You’ll also have someone to call when questions come up — whether you’re updating your policy, buying a new home, or navigating a claim.

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